Reaching Your Financial Goals In 5 Steps

Setting and reaching your financial goals probably seems like an overwhelming task. If you break down large financial goals into smaller, accessible goals, you’ll have an easier time achieving them. Follow these five simple steps to reaching your financial objectives.

Step One: To set and achieve financial goals, you must understand your finances. This is the most significant piece of financial success. To comprehend your finances you must know your FICO score. This three digit number is your financial footprint that will affect car loans, home loans, and credit card applications. Go to www.myfico.com to obtain your score.

After you understand your FICO score, you need to know how you spend your money. Take one week to jot down all of your purchases and look at the amount of money that is coming in as opposed to the amount that is being spent. Are you increasing or decreasing your amount of debt?

Step Two: Write down your financial goals with a realistic amount of time it will take to reach each goal. Decide which goal you want to obtain first. You won’t be able to tackle all goals at the same time, and you don’t want to set unachievable goals.

Step Three: Look at the time frame for your prioritized goal. If it’s a long-term goal, you need to write down smaller goals to reach the long-term goal. For example, your long-term goal may be that you want to save three thousand dollars in one year in case you get laid off.

The smaller goals to reach this long-term goal would be to save two-hundred and fifty dollars each month. The person setting this goal would need to look at their spending habits and find places to save money. Maybe that person would cut their dining out to three times a month instead of eight times a month. Or maybe the person would spend one hundred dollars on clothes instead of three hundred and fifty dollars on clothes.

Step Four: Evaluate yourself. Depending on your short-term goals, at the end of each day, week, or month you should evaluate your progress. If you didn’t reach your short-term goal, you should find out where the failure occurred. Did you eat out more during the month of December due to the holidays? Did you spend more on personal expenses, because you threw a baby shower for your sister?

You’re not going to always reach each goal. Don’t give up if you don’t succeed the first time. See if you can make up for the goal that you didn’t reach or reassess your long-term goal. Add a few more months to make your long-term goal more realistic.

Step Five: Success. When you reach your goal, take time to evaluate the process that you went through to succeed. Give yourself credit for making changes in your finances to better yourself and decide how you can apply your motivation and success to other financial goals.

Set the next financial goal and complete the same five steps.

---

Further Reading:

Reach Your Career Goals in Manageable Steps

Setting Professional Goals

Obtain Your Business Goals

Read more

Reach Your Career Goals in Manageable Steps

Do you want to find a career that makes you happier or start your own business? Utilize the steps outlined below to take the path to achieving your career goals. Start today and see the rewards within months. You can make decisions to better yourself and your career today.

The five steps detailed below will help you to gain the confidence and necessary skills to accomplish career goals. Personalize each step to fit your specific goal.

Step One: Write down all of your career goals. Put them in a time line like the example below to get a better understanding of the order that your goals will take.

First Goal: Save money to live off of for six months.
Second Goal: Look into requirements for new career path.
Third Goal: Quit current job and begin looking for a new employer.
Fourth Goal: Find employment within five months of leaving last job.

Step Two: If you know that you have to meet certain educational requirements, look into your options. You will probably need to build up skills for your career goals whether it’s starting a new business, getting a promotion, or taking on a new career path. Plan it out in detail before you begin taking the steps. Write each detail down and place it in an area that you will see on a daily basis.

For the first goal stated in the timeline above, the person would need to break it down into more manageable goals. This would entail breaking down the amount of savings for each month. Each long-term goal needs to have outlined, individual short-term goals to achieve success.

Step Three: Work towards each small goal until you reach the first long-term goal. Keep a journal about your progress and setbacks on a regular basis.

Step Four: Evaluate your progress. At the end of every week, look through your journal to evaluate the progress you made. Each time you reach a short-term goal you should check it off and process how you were able to reach that goal. Utilize the information that you find from keeping a journal.

If you’re not succeeding at your goals, take a look at the reasons. If your short-term goal is to research education options and you haven’t done this by the time that you allotted, then you need to evaluate obstacles that deterred success. Did you work ten extra hours that week? Is there an option of cutting back your current hours? Learn from each setback to eliminate your barriers.

Step Five: Celebrate success. Find pleasure in reaching your career goals. Tell your friends and family about your success, so they can encourage you and celebrate with you. Each short-term goal that you complete is leading you closer to your long-term goal. Stay motivated by continually planning your career goals.

---

Further Reading:

Setting Professional Goals

 

Read more

Setting Professional Goals

Read more

Obtain Your Business Goals

Read more

How to Set Goals

 

---

Further Reading:

Goal Setting Theory

How To Achieve Your Goals

Setting Your Personal Goals in 7 Easy Steps 

Read more

Goal Setting Theory

 

---

Further Reading:

 

How To Achieve Your Goals

Goal Setting for Students

Setting Your Personal Goals in 7 Easy Steps 

Read more

Goal Setting for Students

---

Read more

How To Achieve Your Goals

 

---

Further Reading:

 

Setting Your Personal Goals in 7 Easy Steps

3 Keys to Reaching Long-Term Goals

7 Goal Setting Tips 

Read more

The Art of Creating Powerful Intentions

Intentions are indeed very powerful if they are created in the right way. There are a few basic rules you will want to understand, otherwise your intentions may simply evaporate, or even backfire. By backfire, I mean they create just the opposite of what you wanted.

The Purpose of Making Intentions

We use intention to guide our attention in a new direction, in order to create a new or different reality. For example, maybe you’d like to change your job. Most people would start with the intent to have a better job, as the old one doesn’t satisfy anymore. However, trouble may be brewing here already…

If you move on from something you don’t like, to something you prefer, you may deny your current situation. In order to make successful intentions, it is important to deal with the current situation first, and do some analytical thinking about it.

Understand that you created this situation, so don’t blame anybody else for it. Take full responsibility, and understand that you are the only person responsible for the current circumstances.

Do away with any judgments of your current situation, until you can see it from a neutral perspective. There was a point in your life when it was the perfect decision. Don’t compare the now with the past, as you have since had new experiences and gained a different viewpoint.

This is a common mistake in thinking; it is like a loophole in the mind. You jump from one time-line into another time-line, and then compare them. This leads to false conclusions. Besides that, leave the past; don’t reinvent it.

Evaluate Your Current Situation

If you look at your current situation without judgments, you empower yourself. Only from a neutral standpoint can you make a powerful new decision. This new decision will be based on deliberate intent instead of reaction to circumstances. This is where choice and free will comes in.

Now, at the point of being neutral, you can ask yourself the following questions:

    * What do I like about my current job?
    * What do I want to improve in my next job?
    * What would be the perfect job for me?
    * What would I like to feel from my next job?
    * What am I good at?
    * In which areas is this job supporting me to live my full potential?

Write down the answers to these questions, and start to craft a few full sentences out from your answers. Include all the positive points. Make these sentences as precise as possible.

It could read like this: My next job is exciting; it flows with me, makes me happy, and I am able to learn and grow with it.

When you are done, read it out loud. If you have trouble saying the sentence, or even memorizing it, then it is not ready. Simply take a few moments and refine it.

Overcoming Pitfalls when Creating Intentions

Intentions are formed in your conscious mind; however, it’s your subconscious that receives these commands and creates the necessary opportunities in your life. In other words, your conscious mind deciding on this new opportunity creates a new reality.

    * Use only positive words
    * Include a time frame
    * Remove negations
    * Be precise

Here is a simple test. Don’t think about a blue elephant! What happened? You thought about the blue elephant, you may even imagined it. The subconscious does not work analytically; it cannot understand words like ‘don’t’ or ‘not.’ It works mostly in images, sounds, and smells.

You want to avoid use of any negative words in your intentions. Always formulate your intentions in such a way that they reflect the outcome of what you’d like to create.

Example of how not to do it:
- I don’t want to have so much responsibility.

Better Example:
- In my new job I feel comfortable with my responsibility.

Including a Time Frame:

There is a difference between creating in your own universe or in the physical world. When you create inside yourself there is no time involved – your consciousness is timeless!

For example, if you’d like to change your attitude toward your boss, you don’t need to set a time frame. You can simply create the intention: I appreciate my boss, or, I value my boss’ viewpoints and beliefs. It will work instantly if there is no other belief or intention in its way.

When you deal with the physical world, setting a time frame becomes important. The physical world works within time and space. If you build a new house, first you have a plan, and then you move dirt, assemble wood, install plumbing, and move furniture, until the house is complete. It takes time and effort.

So if you make your intention but you leave out the time frame – your intention becomes doubtful. Example: “I am working in my dream job.” Well, you would say right away – I’m not. It sounds more like an affirmation than an intention. Include the time frame, and this example turns into: 6 months from now I am working in my dream job.

Pay attention to any reactions you have when you formulate your intention. Your mind may interfere and tell you: No way, I will never get this, or this is impossible. If you encounter these instant judgments, formulate your intentions differently, so that they feel more do-able. Sometimes you may want to break a big intention into smaller pieces.

For example: In 2 weeks I am a Millionaire is an intention that may not work for most people. However, an intention like: Every day I have more money to spend may bring you there.

New Years Intentions Vs. Birthday Intentions

Many people make new year’s resolutions on first night, which is a good thing. However, making them on your birthday is more efficient.

Why is this? A new year is an artificial point of time, it just means that one year passed, and is not related to you in any way – it’s impersonal. If you make your new year’s resolution on your birthday, it is personal, because on this specific day the sun is in the same position as it was when you were born. Astrologers call this point a sun-sun conjunction. It is a very powerful point in time, as a new individual cycle for you starts.

May all your dreams come true.

 

---

How to make your dreams come true. A step by step guide to create the life you always dreamed about. Download this ebook now – free for a limited time only…

Further Reading:

 

New Software Tool Helps You Manifest Your Dreams & Desires

Why Gratitude is the Key to Getting Anything You Want

Creating Abundance and Prosperity  

Read more

10 Impeding Beliefs That Prevent You From Getting Rich

At one point in your life, you may ask yourself why other people are so successful with money when you’re not. Depending on how closely you look, you will have several answers. Do these sound familiar?

    * They’re just luckier than I am    * They have a better education than I do
    * They were born into a rich family
    * They are white and have better opportunities than I do
    * They already had money to start a business
    * They already had money to invest in real estate
    * They are smarter than I am
    * They are younger than I am
    * They look better than I do
    * They probably work harder than I do

The list probably continues to fill several pages. Money is the topic that generates the most beliefs, followed by the topic of relationship. I once led a seminar where we investigated people’s beliefs about money. After only 30 minutes we came up with 3 full pages!

Beliefs – Blueprint of Your Reality

You may not know this yet, but your beliefs are the blueprint of your reality. If you knew that, would you deliberately create one from the list above? Probably not, because these beliefs are not supportive at all. These beliefs create a reality that leaves you ‘playing’ the victim, and on top of it, keeps you right where you are. You are not improving your life one bit.

Why are we creating these beliefs in the first place, when we know that they are not constructive at all? The answer lies in the nature of our consciousness. Most of us were told that there is a universe out there and this universe shapes our reality. It is the basic belief that life happens to us. Most of us get these beliefs confirmed several times per day. The result is that our consciousness gets imprinted each day with the same message. The message with the same old belief.

Meanwhile, as adults, we are not even aware that our life ‘as it happens’ is built around a belief. It becomes a profound reality that we prove to ourselves in each moment.

So how do we get out of this dilemma? We need to take a step back and look at our beliefs. Take a piece of paper and a pencil and write down all the beliefs you have around money. Don’t think too much, be spontaneous. When you have run out of your own beliefs, think about what other people’s beliefs are about money.

Then mark each belief with an ‘I’ or an ‘S’ depending if the belief is impeding or supportive. Impeding beliefs do not support creating wealth, supportive beliefs do. Now, look at your list and count each supportive and impeding belief. What is your score? How many impeding beliefs do you have, and how many supportive beliefs do you have?

Imprinting New Beliefs

Realize that all the impeding beliefs do not support the creation of fortune. Now, take a new piece of paper, and brainstorm beliefs that will exactly create the wealth you would like to have. When you are done with the list, go over each of your new beliefs and create a mental image. Hold this mental image for at least 10-20 seconds. You may need some practice, but every time you do it, you will get better with it. Do this exercise in a quiet, calm, and relaxed environment, as this will help to imprint these beliefs into your consciousness.

Remember, beliefs are the blueprint of what will manifest in your life. With a little training, you will be able to move on to the next stage, which is feeling your beliefs. Feel as if these new beliefs, that foster what you really want to create, have actually been manifested.

    * How does it feel to be a millionaire?
    * How does it feel to have abundance in your life?
    * How does it feel to have more money than you can spend?
    * How does it feel to give to others?
    * How does it feel to buy without having to look at the price?

Whenever you catch yourself thinking or speaking an impeding belief about money, stop what you are doing. Go back to the place in your mind where you recall one of your deliberately created beliefs about money, and connect with it. The more you do this, the more you will train your mind to think in a new way. A way that leads to being rich.

By the way – this method actually uses principles of quantum physics. However, that is another story…

 

---

How to make your dreams come true. A step by step guide to create the life you always dreamed about. Download this ebook now – free for a limited time only…

 

Further Reading:

Why Gratitude is the Key to Getting Anything You Want

How Can I Use Affirmations to Attract Money and Material Possessions?

Creating Abundance and Prosperity  

Read more